	2019 Mar 31	2020 Mar 31	2021 Mar 31	2022 Mar 31	2023 Mar 31	2024 Mar 31	2025 Mar 31	2026 Mar 31

Period length: Source:	12M PR	12M PR	12M PR	12M PR	12M PR	12M AR	12M AR	12M AR
Total Revenue	166	229	317	448	585	830	1,166	1,528
Cost of Operating Revenue	44	74	105	147	209	287	353	444
Total Operating Expenses	121	153	189	280	389	521	658	834
Operating Profit	45	76	128	168	196	308	507	695
Operating Margin	26.8	33.4	40.3	37.5	33.5	37.2	43.5	45.5
Financing Income/(Expense) - Net	-	-1	-1	-1	-1	-2	-1	-1
Profit before Taxes	41	64	113	167	202	319	489	653
Income Taxes	11	17	26	38	47	72	111	150
Profit after Tax	30	47	87	128	155	248	378	503
PAT Margin	18.3	20.5	27.6	28.7	26.6	29.8	32.4	32.9
EPS - Basic - ex Extraordinary Items	2.84	4.38	8.16	12.00	14.51	26.32	35.18	46.46
EPS - Diluted - ex Extraordinary Items	2.84	4.38	8.16	12.00	14.51	25.18	33.93	44.96
EBIT	45	76	128	168	196	308	507	695
EBITDA	47	82	133	175	204	318	519	707
EBITDA Margin	28.1	35.9	41.9	39.0	34.9	38.4	44.5	46.3

Balance Sheet

Abridged

Understanding Balance Sheet

India Shelter Finance Corporation Ltd. balance sheet covering assets, liabilities, equity and borrowings across annual and quarterly periods.

Consolidated

Standalone

Annual

Interim

	2019 Mar 31	2020 Mar 31	2021 Mar 31	2022 Mar 31	2023 Mar 31	2024 Mar 31	2025 Mar 31	2026 Mar 31

Source:	PR	PR	PR	PR	PR	AR	AR	AR
Property Plant & Equipment - Net	6	16	14	17	24	30	28	27
Total Assets	1,335	1,799	2,463	3,221	4,296	5,794	7,748	9,615
Long Term Debt	513	935	1,491	2,070	2,989	3,415	4,969	6,246
Total Liabilities	535	951	1,525	2,145	3,055	3,496	5,039	6,417
Total Shareholders' Equity	800	848	937	1,076	1,241	2,299	2,709	3,198
Total Equity	800	848	937	1,076	1,241	2,299	2,709	3,198
Total Liabilities & Equity	1,335	1,799	2,463	3,221	4,296	5,794	7,748	9,615

Cash Flow

Abridged

Understanding Cash Flow Statement

India Shelter Finance Corporation Ltd. cash flow statement covering operating, investing and financing activities across annual and quarterly periods.

Consolidated

Standalone

Annual

Interim

	2019 Mar 31	2020 Mar 31	2021 Mar 31	2022 Mar 31	2023 Mar 31	2024 Mar 31	2025 Mar 31	2026 Mar 31

Period length: Source:	12M PR	12M PR	12M PR	12M PR	12M PR	12M AR	12M AR	12M AR
Operating CF bef Changes in Working Cap	-4	57	95	119	156	278	402	501
Working Capital - Increase/(Decrease)	-374	-349	-516	-614	-1,008	-1,510	-1,837	-1,686
Net CF from Operating Activities	-378	-292	-421	-495	-852	-1,232	-1,435	-1,185
Capital Expenditures - Net	4	1	2	5	6	6	9	11
Net CF from Investing Activities	47	-150	77	-186	162	-236	-61	-105
Dividends Paid - Cash - Total	-	-	-	-	-	-	-	54
Stock - Issuance/(Retirement) - Net	201	0	0	5	1	793	18	17
Debt - LT & ST - Issuance/(Retirement) - Total	159	395	560	587	905	427	1,549	1,275
Net Cash Flow from Financing Activities	360	395	560	592	907	1,220	1,566	1,238
Free Cash Flow to Equity	-224	102	137	86	47	-812	105	79
Free Operating CF net dividend	-382	-293	-423	-500	-859	-1,239	-1,444	-1,250
Free Operating CF	-382	-293	-423	-500	-859	-1,239	-1,444	-1,196

Business Segment Analysis

FY End:

Mar 26

India Shelter Finance Corporation Ltd. business segment breakdown covering revenue, operating income and assets across key divisions for the selected financial year.

Capex

Housing loan and loan against properties (100.0%)₹ 11.34 Cr

Revenue / Sales

Housing loan and loan against properties (100.0%)₹ 1,528.39 Cr

Assets

Housing loan and loan against properties (100.0%)₹ 9,614.98 Cr

Operating Income

Housing loan and loan against properties (100.0%)₹ 694.70 Cr

Regional Segment Analysis

FY End:

Mar 26

India Shelter Finance Corporation Ltd. geographic revenue split showing domestic and international market performance across revenue and income for the selected financial year.

Revenue / Sales

India (100.0%)₹ 1,528.39 Cr

Assets

India (100.0%)₹ 9,614.98 Cr

Historical Segment Analysis

Track how India Shelter Finance Corporation Ltd. segment contributions have evolved over multiple financial years to see which divisions are growing, shrinking or gaining strategic importance.

Capex

Sales

Assets

Operating Income

Business

Regional

Business

	2024 Mar 31	2025 Mar 31	2026 Mar 31

Housing loan and loan against properties	6	9	11

Frequently Asked Questions

What is the revenue of India Shelter Finance Corporation Ltd.?

The latest trailing twelve month revenue of India Shelter Finance Corporation Ltd. is ₹ 1,528.39 Cr, reflecting a 1-year growth of 31.12% and a 3-year CAGR of 37.77%. Annual and quarterly revenue trends are available in the Income Statement section.

What is the net profit of India Shelter Finance Corporation Ltd.?

The latest trailing twelve month net profit (PAT) of India Shelter Finance Corporation Ltd. is ₹ 503.15 Cr, with a 3-year earnings CAGR of 45.78%. Detailed profit history across annual and quarterly periods is in the Income Statement section.

What is the EBITDA of India Shelter Finance Corporation Ltd.?

The trailing twelve month EBITDA of India Shelter Finance Corporation Ltd. is approximately ₹ 693.42 Cr (based on an operating margin of 45.37%). EBITDA reflects core operating profitability before interest, taxes, depreciation and amortisation.

What is the EPS of India Shelter Finance Corporation Ltd.?

The trailing twelve month Earnings Per Share (EPS) of India Shelter Finance Corporation Ltd. is 44.96. EPS trends across annual and quarterly periods are visible in the Income Statement section.

What is the debt level of India Shelter Finance Corporation Ltd.?

The debt-to-equity ratio of India Shelter Finance Corporation Ltd. stands at 1.95. The full breakdown of total borrowings is in the Balance Sheet section.

What is the book value per share of India Shelter Finance Corporation Ltd.?

The estimated book value per share of India Shelter Finance Corporation Ltd. is 293.80 (derived from a P/B ratio of 2.78 and market price of ₹ 815.35), reflecting the net asset value attributable to each share. See the Balance Sheet section for a full breakdown.

What is the cash flow from operations of India Shelter Finance Corporation Ltd.?

The trailing twelve month operating cash flow of India Shelter Finance Corporation Ltd. is ₹ -1,185.00 Cr. Annual and quarterly cash flow data is available in the Cash Flow section of the Statements tab.

Does India Shelter Finance Corporation Ltd. report consolidated or standalone financials?

India Shelter Finance Corporation Ltd. reports consolidated financials. You can toggle between consolidated and standalone views using the switch at the top of each statement section.